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  2. Discover your risks.
  3. Explore coverage options.
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Fire
Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage
Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.

Solution

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use
Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.

Solution

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Valuable Possessions
Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Medical Expenses
Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability
Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage
Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury / Defamation
Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.

Umbrella / Excess Liability Coverage
Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage
Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home
Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars
Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.

Solution

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Wine Collection
Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Damage
Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.

Solution

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Off-Premises Theft
Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Learn More About This Coverage

Personal Insurance Interactive Graphics

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Find out how auto insurance works to protect you and your vehicle on the road.

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If you rent or lease a condo, you need to protect your property with condo insurance.

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Every home is different. Consider home insurance that’s unique to you.

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Get the reassurance that your loved ones will have what they need with individual life insurance.

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No matter where your journey takes you—hit the road with the peace of mind of motorcycle insurance.

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If you rent or lease, you need renters insurance to protect your personal property and your lifestyle.

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Relax and enjoy the journey by having the peace of mind of a travel insurance policy.

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Protect your financial future with umbrella insurance if coverage costs exceed your limits during a claim.

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Leave your worries on dry land by having a watercraft insurance policy to cover you when it matters.

Business Insurance Interactive Graphics

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Get property and liability coverage with business owners insurance.

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Protect your business against the costs of data breaches with cyber liability insurance.

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Cover employees from work-related accidents and illnesses with workers’ compensation insurance.

Employee Benefits Interactive Graphics

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Cover some of the costs of unexpected health issues with critical illness insurance.

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Safeguard your employees by offering disability insurance as part of your benefits plan.

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Incorporate a group dental insurance plan in your benefits package.

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Hire and retain top talent by providing group health insurance as a benefit.

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Help protect your employee’s health and vision with group vision insurance.

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Give your employees more coverage at lower rates with group voluntary insurance.

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Cover your employees in the event of an accident with life and accidental death and dismemberment insurance.

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Recruit, contain costs, and enhance employee productivity by offering long-term care insurance.

Insurance by Industry Interactive Graphics

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Own a brewery? Safeguard your business and investment with brewery insurance.

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Find peace of mind and protection with condo building insurance.

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Construct coverage for your business needs with contractor insurance.

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Keep your business running smoothly with dealership insurance.

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Keep your patients as your top priority and protect your practice with dental office insurance.

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Secure your business with distillery insurance so you can continue making and selling alcohol.

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Safeguard your lifestyle and livelihood with farm insurance.

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Find protection with fire department insurance so you can keep helping others.

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Keep up with the pace of your business by getting fitness center insurance.

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While food trucks are free to travel to different locations to serve food, food truck insurance helps cover your risks while on the move.

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Safeguard your business with garage repair shop insurance.

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Have peace of mind when operating your business with golf course insurance.

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Take care of your guests and protect what’s yours with hospitality insurance.

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You’re more than just a landlord. Consider landlord and rental property insurance.

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Focus on your work worry-free with landscaping services insurance.

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Whatever you manufacture, protect your business with manufacturer insurance.

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Stay protected with medical office insurance so you can keep helping your patients.

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Help secure the future of your organization with non-profit insurance.

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If your business focuses on pets, consider pet business insurance.

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It’s your investment and your livelihood. Protect it with property manager insurance.

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You worry about the cooking. We’ll handle the restaurant insurance.

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Safeguard your school and the students you educate with specialty school insurance.

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Take your coverage beyond the ones and zeros with technology firm insurance.

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If your business relies on commercial trucks, consider trucking insurance.

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You care for the animals. We’ll cover your business with veterinary office insurance.

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When you run warehouses and logistics, you’re faced with a lot of moving parts. That’s where warehousing and logistics insurance comes in.

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Get winery insurance to cover the risks of agriculture, manufacturing, retail, and entertainment.

Medicare Interactive Graphics

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Fill in the gaps from Medicare with dental, vision, and hearing plans.

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Medicare is an insurance program administered by the Centers for Medicare and Medicaid Services in the United States. Medicare began in 1966 and was originally administered by the Social Security Administration. Over the past half-century, the program has adapted to meet the ever-changing needs of the modern world by adding new program options, and allowing for the introduction of supplemental plans.

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Medicare Advantage plans are alternatives to Original Medicare.

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Medicare Part D fills in the gaps of Parts A and B to cover prescription drug costs.

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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